fundu is the nations leader in providing merchant cash advance based funding to the underserved business community that can not obtain traditional business funding.

Small Business Owners

What is a Merchant Cash Advance?

A merchant cash advance- also called an MCA, is not a loan but an advance of cash based on your business's future revenues. You pay this advance with an automated withdrawal via ACH directly from your business banking account. The amount is set beforehand with a percentage of your daily bank balance (usually daily or weekly, but terms and qualifications can vary). Merchant cash advances are ideal for small businesses that require capital quickly to cover cash flow swings or short-term high-yield investments. When opportunity strikes, that's where revenue-based business advances like this one shine.

How does a Merchant Cash Advance Work?

Small businesses depend on constant and sufficient availability of cash to keep running. With this liquidity, the company can thrive in the sea of operating expenses and take advantage of opportunities due lack of investment capital. For example, your business may need more goods and supplies or pay for equipment repair, or a project requires some upfront spending.

After applying for an advance, fundu looks at the average worth of deposits to your business banking account that can be considered revenue. We then decide how much advancement you should receive at a specific factor rate. Your advance should be in your business bank account between one and three days after starting the process. After that, you will repay your advance by releasing an agreed-upon percentage of your future sales.

Depending on your agreement with fundu , you could repay your advance daily and sometimes weekly. Also, it's refreshing to know that your payback will only take a specific amount based on the agreed-upon percentage, so you always know what to expect.

Merchant Cash Advance Payback & Factor Rate?

The payback rate of an MCA is the percentage of advance that the business will pay back in addition to the actual worth of the advance. For example, if an advance of $10,000 has a factor of 45%, the business will pay back the advance amount plus the factor rate. That is $10,000 + $4,500 (45%), amounting to $14,500 in total payback.

Another way of referring to the cost of capital is the "factor rate," which is essentially the same as the payback rate. You can find out the total payback amount for an MCA by multiplying the factor rate by the principal. Using our previous example, a principal of $10,000 multiplied by a factor rate of 1.45 will give a payback amount of $14,500. Payback/factor rates vary based on several factors.

Why Have More Than 15,000 + Businesses

Chosen fundu?

As a provider of fast and reliable working capital, we've grown alongside the companies we support.

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Easy Application Process

Simple online application completed within minutes.

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Same Day Decision

Easy and fast so you can focus on running your business. Grab our proposal and explore your options. COMPLETELY FREE OF CHARGE.

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Fast Funding

Funds automatically deposited into your business account the moment you decide to move forward.

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Get Started With a Merchant Cash Advance

Provide basic information about your business. If approved, you can request funds

and receive them in your account in as fast as 48 hours.

  • 500+ credit score

  • 3+ months in business

  • $5,000 in gross monthly revenue

  • Owned and operated in the U.S.

  • No open bankruptcies.

  • Minimum deposit frequency of 4 or 5 per month, depending on your industry.
  • Complete a 30 Second Application

  • Bank statements for past 3 months

  • Business is in good standing

Minimum Qualifications

What You Need To Apply


Merchant Cash Advance Pros

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Merchant Cash Advance Cons

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  • Fast access to cash
  • Flexible repayment terms
  • Excellent credit not required
  • Wide range of use of funds
  • No collateral required


  • Expensive compared to many other options
  • Minimum daily payments may hurt cash flow
  • Doesn’t help build business credit
  • May lock-in merchant processor
  • Must accept debit and or credit cards

How Does A Cash Advance Work?

When a small business most needs funding, it can seem hard to get it. Traditional lenders like banks often have long approval processes.

This is one of the advantages of a merchant cash advance. A merchant cash advance reviews the past debit card and credit card sales of the business and uses that to provide an advance against future sales. Funding is often very fast.

If approved, payments will often be taken out of your merchant account or bank account via a daily (or sometimes weekly) direct debit. Some MCAs will base the payment on how much your business receives in sales. When sales are lower, you pay less. This can be helpful for cash flow.

Make sure you consider the consistency of your cash flow and whether or not you’ll have the appropriate cash in your merchant account each day to support the periodic payment.

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What Other Business Owners Say

“I already had an existing dry cleaning business in another city, and an opportunity came to expand. We tried to go through traditional banks and private lenders, but unfortunately, the experience was very difficult and the terms were even harder. I called fundu, and within two days I was able to get the funds that I needed. We were able to improve our business and the process was very, very easy.”

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Manuela Fuentes. Cleaners. Miami, FL

“I own a small but well know pizza place in NJ. Right before the weekend, our main stove broke. No way to repair. Our service technician contacted us with fundu. Mr Pineyro started the process on Saturday morning. By Saturday 1pm or so, I had my $15,000 wired to me. Amazing. I will always use them when I need money for my business"


Antonio Russo, Pizza Owner, NJ

“My credit score is low. I needed $20,000 to close on a great business expansion opportunity that was going to 5X my investment. I tried your larger internet funding companies and they all denied me for a mmillion reasons. A fellow business associate had a great experience with fundu. Skeptical at first and with not much hope, I called them. The entire team at fundu made me feel so special. Literally within 1 day, they called me in joy saying I was approved for $20,000. I will forver be grateful for them.”

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Latesha Wilkens, SPA Owner, Texas

"fundu gave me the money and attention I needed when I needed it. I was a fairly new business (4 months old). My sales were good but my credit was in the low 600's. I was denied elsewhere. I called fundu after they were highly recommended from a local business association I am a member of. Besides the fact they got me funded for $32,500 they gave me so much attention. They gave me great business advice that I follow til this day. Thank you fundu!"

Abigail Rogers, CA, Pet Daycare

About fundu

fundu is dedicated to helping your small or mid-sized business succeed by providing quick, easy working capital loans from $5,000 up to $500,000 in as little as one business day.

11820 Miramar Parkway, Ste. 110

MIramar, FL 33025

(844) 247-5626 |

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